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Sam starts off this hour in Indiana hi Sam how are you better than I deserve whats up so my wife and I we just had a baby here a few months ago our first one and after sitting down and looking at on moment and that those near so some Ive gotten fairly nervous about you know where my financial standing is and I guess my question is how do I make a budget and then be able to make myself and my wife you know make ourself stick to it okay its a good question the great news about having a baby in congratulations is it makes you get serious about stuff like that and starting to get you get your act together on some things thats very cool Im glad Im glad yall are doing that okay so number one when you do a budget it is um it is not a straitjacket it is you telling you what to do okay okay so its a guardrail its dont run off the road and so you you the two of you sit down and say for groceries this month we want to spend X by the way as a side note whatever you think youre spending
